The Insurance
For Professional Aircrew
Income Protection
If you were to suffer a serious illness or injury then your career could be at risk. For expatriate pilots, this risk also extends to families through every aspect of expatriate life including housing, children's education, medical cover and even the ability to stay in the UAE or country of residence. TopCover has been designed to provide a secure, stable monthly income to enable you to have sufficient time to deal with any medical condition and to plan for the future. Its primary aim is to provide you with time to deal with your situation, without financial distress. Personal Accident and Critical Illness benefits can also provide immediate cash lump sums, even when you are in the early stages of your disability and still employed by your airline. By providing financial security, pilots with TopCover are often able to return to flying - either with their current airline, or with a new employer in the future, once the medical problem has been resolved.
Personal Accident
TopCover offers up to US$500,000 in Personal Accident insurance for each insured person. Every airline offers some kind of Personal Accident insurance to all their staff. There are often limitations on that cover. TopCover offers worldwide, 24 hour protection with very few exclusions to the cover. That means that wherever you travel, whether on or off duty, you can be sure that you and your family are protected
Critical Illness
TopCover was originally designed to protect a pilot's income. However, when a pilot is facing a life-threatening illness, or is approaching the maximum insurable age, income protection benefits become limited in their ability to help. Critical Illness cover provides a cash lump sum of up to $150,000 if you are diagnosed with one of eleven serious medical conditions. In addition, for pilots, the policy will pay a benefit for any medical condition that permanently prevents you from flying. It is Critical Illness for pilots. A cash lump sum may assist with medical bills or be used for any reason you see fit. If you recover and return to flying following a medical problem there is no penalty or repayment required. Critical Illness is now also available for spouses, but without the special clause for permanent disability to fly of course.
NOW Health Insurance - 15% Discount
In Partnership with Now Health International, we're offering portable health insurance with up to 15% TopCover discount.
Now Health International provides an award winning best in class health insurance policy for expatriate pilots and their families. To obtain a quotation and claim your Top Cover discount please email Now Health for assistance today:
In June 2020, during the pandemic, I had an accident and broke a shoulder bone. I immediately claimed under my TopCover policy as this accident led to the suspension of my GCAA License. After almost 2 years, my GCAA License was reinstated and from June 2020 I am flying again.
I must say I'm fully satisfied by the TopCover policy and especially their claims team, which in my opinion, did an outstanding job. I have to thank TopCover for having covered me financially during this long and difficult period of my working life. Thank you !